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After your case is filed, you must complete an approved course in personal finances. This course will take approximately two hours to complete. Many of the course providers give you a choice to take the course in-person at a designated location, over the Internet (usually by watching a video), or over the telephone. Your attorney can give you a list of organizations that provide approved courses, or you can check the website for the United States Trustee Program office at www.usdoj.gov/ust. If you can not afford the fee, you should ask the agency to provide the course free of charge or at a reduced fee. In a chapter 7 case, you should sign up for the course soon after your case is filed. If you file a chapter 13 case, you should ask your attorney when you should take the course.Read More

There is no clear answer to this question. Unfortunately, if you are behind on your bills, your credit may already be bad. Bankruptcy will probably not make things any worse. The fact that you’ve filed a bankruptcy can appear on your credit record for ten years from the date your case was filed. But because bankruptcy wipes out your old debts, you are likely to be in a better position to pay your current bills, and you may be able to get new credit. If you decide to file bankruptcy, remember that debts discharged in your bankruptcy should be listed on your credit report as having a zero balance, meaning you do not own anything on the debt. Debts incorrectly reported as having a balance owed will negatively affect your creditscore and make it more difficult or costly to get credit. You should check your credit report after your bankruptcy discharge and file a dispute with credit reporting agencies if this information is not correct.Read More

Utility services — Public utilities, such as the electric company, can not refuse or cut off service because you have filed for bankruptcy. However, the utility can require a deposit forfuture service and you do have to pay bills which arise afterbankruptcy is filed.

Discrimination — An employer or government agency cannot discriminate against you because you have filed for bankruptcy. Government agencies and private entities involved in student loan programs also can not discriminate against you based on a bankruptcy filing.Read More

The results of your bankruptcy case will be part of your credit record for ten (10) years. The ten years are counted from the date you filed your bankruptcy. This does not mean you can’t get a house, a car, a loan,or a credit card for ten years. In fact, you can probably get credit even before your bankruptcy is over! The question is,how much interest and fees will you have to pay? And, can you afford your monthly payments, so you don’t begin a new cycle of painful financial problems? Debts discharged in your bankruptcy should be listed on your credit report as having a zero balance, meaning you do not own anything on the debt. Debts incorrectly reported as having a balance owed will negatively affect your credit score and make it more difficult to get credit. You should check your credit report after your bankruptcy discharge and file a dispute with the credit reporting agency if this information is not correct.Read More

Filing for Chapter 7 bankruptcy puts into effect an “Order for Relief” — known informally as the “automatic stay.” The automatic stay immediately stops most creditors from trying to collect what you owe them. So, at least temporarily, creditors cannot legally grab (“garnish”) your wages, empty your bank account, go after your car, house, or other property, or cut off your utility service or welfare benefits.Read More

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What Our Clients Have to Say

Louis J.

Geoff and his staff were very helpful to me. Geoff made everything very easy and smooth. Whenever you are dealing with a crisis in life you need a person that's understanding and helpful and Geoff and his team were all of the above. Thanks for all your help.

5.0

2015-02-15T18:08:04+00:00

Geoff and his staff were very helpful to me. Geoff made everything very easy and smooth. Whenever you are dealing with a crisis in life you need a person that's understanding and helpful and Geoff and his team were all of the above. Thanks for all your help.

http://themorrislawgroup.com/testimonials/louis-j/

Jeremy F.

My case did not go on for very long and that was exactly how I wanted it to be. I am very happy with the way Geoff settled my case.

5.0

2015-02-15T18:08:34+00:00

My case did not go on for very long and that was exactly how I wanted it to be. I am very happy with the way Geoff settled my case.

http://themorrislawgroup.com/testimonials/jeremy-f/

Brandon R.

My experience with Mr. Morris and his team was very pleasant. I was happy with how things turned out. I would recommend his services to anyone who needs representation by an attorney.

5.0

2015-02-15T18:09:03+00:00

My experience with Mr. Morris and his team was very pleasant. I was happy with how things turned out. I would recommend his services to anyone who needs representation by an attorney.

http://themorrislawgroup.com/testimonials/brandon-r/

Frances G.

I was under a lot of stress but Geoff and his team helped me throughout the whole process. I felt like they cared not because it's their job. I felt genuinely taken care of. I give them a 5 out of 5 rating.

5.0

2015-02-15T18:09:31+00:00

I was under a lot of stress but Geoff and his team helped me throughout the whole process. I felt like they cared not because it's their job. I felt genuinely taken care of. I give them a 5 out of 5 rating.

http://themorrislawgroup.com/testimonials/frances-g/

Tanya B.

I highly recommend Geoff Morris' firm. They were professional. The staff were polite and Geoff is an excellent attorney.

5.0

2015-02-15T18:09:53+00:00

I highly recommend Geoff Morris' firm. They were professional. The staff were polite and Geoff is an excellent attorney.

http://themorrislawgroup.com/testimonials/tanya-b/

Margarita C.

I was referred to Geoff Morris at The Morris Law Group by a colleague. He and his staff were fantastic. They took care of everything. Excellent job!

5.0

2015-02-15T18:10:38+00:00

I was referred to Geoff Morris at The Morris Law Group by a colleague. He and his staff were fantastic. They took care of everything. Excellent job!

http://themorrislawgroup.com/testimonials/margarita-c/

Richard C.

My experience with Geoff Morris was very fine. Highly recommended.

5.0

2015-02-15T18:11:11+00:00

My experience with Geoff Morris was very fine. Highly recommended.

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Kevin G.

Geoff Morris did an excellent job representing me. He handled my case very well. It was all I wanted and more. I would definitely recommend him.

5.0

2015-02-15T18:11:40+00:00

Geoff Morris did an excellent job representing me. He handled my case very well. It was all I wanted and more. I would definitely recommend him.

http://themorrislawgroup.com/testimonials/kevin-g/

Michelle M.

"Mr. Morris was very persistent, very supportive, explained things very well, and very professional. He seemed to genuinely care about me and my case. The office of Geoff Morris was always available if stuff came up on my end. They were very helpful. I really felt that I was taken care of
and I would definitely recommend him."

5.0

2015-02-15T18:12:11+00:00

"Mr. Morris was very persistent, very supportive, explained things very well, and very professional. He seemed to genuinely care about me and my case. The office of Geoff Morris was always available if stuff came up on my end. They were very helpful. I really felt that I was taken care of and I would definitely recommend him."

http://themorrislawgroup.com/testimonials/michelle-m/

Cateria A.

Geoff and his staff were very knowledgeable and prompt. He got me a settlement that I was not expecting. He got me better. Highly recommended to anyone who needs an attorney!

5.0

2015-02-15T18:12:34+00:00

Geoff and his staff were very knowledgeable and prompt. He got me a settlement that I was not expecting. He got me better. Highly recommended to anyone who needs an attorney!

http://themorrislawgroup.com/testimonials/cateria-a/

Alicia M.

He didn't very represent me for very long. He accepted my case. He was the third attorney that represented me. He completely wrapped my case up in less than 3 weeks which is what I wanted. Mr. Morris provided me with what I wanted. If the opportunity comes that I need to be represented again, I would choose Geoff Morris, no doubt.

5.0

2015-02-15T18:12:57+00:00

He didn't very represent me for very long. He accepted my case. He was the third attorney that represented me. He completely wrapped my case up in less than 3 weeks which is what I wanted. Mr. Morris provided me with what I wanted. If the opportunity comes that I need to be represented again, I would choose Geoff Morris, no doubt.

http://themorrislawgroup.com/testimonials/alicia-m/

Rosemary R.

The Morris Law Group made me feel like family. I am so appreciative for all the hard work they put into my case and the great results they got for me. I recommend Geoff and his team to all my family and friends.

5.0

2015-02-15T18:04:26+00:00

The Morris Law Group made me feel like family. I am so appreciative for all the hard work they put into my case and the great results they got for me. I recommend Geoff and his team to all my family and friends.

http://themorrislawgroup.com/testimonials/rosemary-r/

Fusto D.

Geoff knows what he's doing. He is very professional and he does his job excellently. If I would need an attorney again, I'd call him.

5.0

2015-02-15T18:05:20+00:00

Geoff knows what he's doing. He is very professional and he does his job excellently. If I would need an attorney again, I'd call him.

http://themorrislawgroup.com/testimonials/fusto-d/

Christina T.

A relative referred me to The Morris Law Group. When I called his office, I was surprised by the professionalism and care the whole staff showed. They were all compassionate to my needs. Attorney Morris got me the care and money that I needed and deserved.

5.0

2015-02-15T18:05:59+00:00

A relative referred me to The Morris Law Group. When I called his office, I was surprised by the professionalism and care the whole staff showed. They were all compassionate to my needs. Attorney Morris got me the care and money that I needed and deserved.

http://themorrislawgroup.com/testimonials/christina-t/

Deborah H.

Geoff is an outstanding attorney. He is thorough and he understood and given me what I wanted.

5.0

2015-02-15T18:06:21+00:00

Geoff is an outstanding attorney. He is thorough and he understood and given me what I wanted.

http://themorrislawgroup.com/testimonials/deborah-h/

Leanne W.

I am completely satisfied with the way Geoff handled my case and recommend anyone who needs legal services to just contact him.

5.0

2015-02-15T18:07:18+00:00

I am completely satisfied with the way Geoff handled my case and recommend anyone who needs legal services to just contact him.